Civic Intelligence

Locust Mutual Fire Insurance Company

EIN 24-0866658 • 501(c)15 • Numidia, PA

Profile

The organization provides fire and lightning insurance coverage to approximately 400 insureds and provides extended insurance coverage to approximately 200 insureds.

PO Box 123Numidia, PA 17858

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

43rd percentile

0.01x

Higher debt load relative to assets than 43% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

52nd percentile

0.04x

Higher debt load relative to revenue than 52% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Net Margin

70th percentile

21%

Higher net margin than 70% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Top Officer Pay

49th percentile

$5,500

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

$1M-$5M nonprofits • Source year 2024

Asset Growth

55th percentile

4.1%

Faster asset growth than 55% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

45th percentile

5.8%

Faster revenue growth than 45% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$1,321,010

Up $51,656 (+4.1%) from 2023

Liabilities

Up

$7,410

Up $239 (+3.3%) from 2023

Net Assets

Up

$1,313,600

Up $51,417 (+4.1%) from 2023

Operations
Liabilities / Revenue52nd percentileNet Margin70th percentile

Revenue

Up

$180,217

Up $9,880 (+5.8%) from 2023

Expenses

Up

$143,149

Up $16,953 (+13%) from 2023

Net Income

Down

$37,068

Down $7,073 (-16%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2011: $1,383,302Liabilities 2011: $5,770Net Assets 2011: $1,377,5322011Assets 2012: $1,363,447Liabilities 2012: $5,388Net Assets 2012: $1,358,0592012Assets 2013: $1,286,074Liabilities 2013: $5,767Net Assets 2013: $1,280,3072013Assets 2014: $1,256,196Liabilities 2014: $0Net Assets 2014: $1,256,1962014Assets 2015: $1,206,960Liabilities 2015: $0Net Assets 2015: $1,206,9602015Assets 2016: $1,247,696Liabilities 2016: $6,157Net Assets 2016: $1,241,5392016Assets 2017: $1,255,940Liabilities 2017: $3,500Net Assets 2017: $1,252,4402017Assets 2018: $1,210,622Liabilities 2018: $6,022Net Assets 2018: $1,204,6002018Assets 2019: $1,255,279Liabilities 2019: $6,346Net Assets 2019: $1,248,9332019Assets 2020: $1,282,864Liabilities 2020: $6,050Net Assets 2020: $1,276,8142020Assets 2021: $1,252,496Liabilities 2021: $5,018Net Assets 2021: $1,247,4782021Assets 2022: $1,214,255Liabilities 2022: $6,697Net Assets 2022: $1,207,5582022Assets 2023: $1,269,354Liabilities 2023: $7,171Net Assets 2023: $1,262,1832023Assets 2024: $1,321,010Liabilities 2024: $7,410Net Assets 2024: $1,313,6002024

Highlighted filing

2024

Assets$1,321,010
Liabilities$7,410
Net Assets$1,313,600
Open 2024 Filing

Operations Trend

Revenue Growth45th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$100K$0-$100KExpenses 2011: $125,9492011Expenses 2012: $138,9692012Revenue 2013: $118,519Expenses 2013: $170,210Net Income 2013: -$51,6912013Revenue 2014: $123,751Expenses 2014: $154,899Net Income 2014: -$31,1482014Revenue 2015: $144,165Expenses 2015: $150,368Net Income 2015: -$6,2032015Revenue 2016: $101,354Expenses 2016: $133,305Net Income 2016: -$31,9512016Revenue 2017: $147,391Expenses 2017: $136,480Net Income 2017: $10,9112017Revenue 2018: $149,594Expenses 2018: $129,896Net Income 2018: $19,6982018Revenue 2019: $151,021Expenses 2019: $130,333Net Income 2019: $20,6882019Revenue 2020: $146,457Expenses 2020: $116,852Net Income 2020: $29,6052020Revenue 2021: $135,943Expenses 2021: $132,979Net Income 2021: $2,9642021Revenue 2022: $110,159Expenses 2022: $125,507Net Income 2022: -$15,3482022Revenue 2023: $170,337Expenses 2023: $126,196Net Income 2023: $44,1412023Revenue 2024: $180,217Expenses 2024: $143,149Net Income 2024: $37,0682024

Highlighted filing

2024

Revenue$180,217
Expenses$143,149
Net Income$37,068
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,321,010
Liabilities
$7,410
Net assets
$1,313,600
Revenue
$180,217
Expenses
$143,149
Net income
$37,068
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.32$0.01$1.31$0.18$0.14$0.04
2023Detailed filing. Detailed filing data is available for this year.$1.27$0.01$1.26$0.17$0.13$0.04
2022Detailed filing. Detailed filing data is available for this year.$1.21$0.01$1.21$0.11$0.13$0.02
2021Detailed filing. Detailed filing data is available for this year.$1.25$0.01$1.25$0.14$0.13$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.28$0.01$1.28$0.15$0.12$0.03
2019Detailed filing. Detailed filing data is available for this year.$1.26$0.01$1.25$0.15$0.13$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.21$0.01$1.20$0.15$0.13$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.26$0.00$1.25$0.15$0.14$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.25$0.01$1.24$0.10$0.13$0.03
2015Detailed filing. Detailed filing data is available for this year.$1.21$0.00$1.21$0.14$0.15$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.26$0.00$1.26$0.12$0.15$0.03
2013Detailed filing. Detailed filing data is available for this year.$1.29$0.01$1.28$0.12$0.17$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.36$0.01$1.36$0.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.38$0.01$1.38$0.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 23, 2025
Return Version
2024v5.2
Gross Receipts
$255,217
Mission and Program Overview

Mission

The organization provides fire and lightning insurance coverage to approximately 400 insureds and provides extended insurance coverage to approximately 200 insureds.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,262,183$1,313,600▲ $51,417
Investments in Publicly Traded Securities$1,252,812$1,272,472▲ $19,660
Cash and Non-Interest-Bearing Accounts$11,068$36,607▲ $25,539
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,269,354$1,321,010▲ $51,656
Other Assets Total$5,474$11,931▲ $6,457
Liabilities
Other Liabilities$7,171$7,410▲ $239
Total Liabilities$7,171$7,410▲ $239
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,262,183$1,313,600▲ $51,417
Total Liabilities and Net Assets / Fund Balance$1,269,354$1,321,010▲ $51,656
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Hannah R MitchellSecretary/agentPT$5,500$5,500
Laura WeaverTreasurer/direc-$3,170$3,170
Kenneth H RarigPresident/Director-$640$640
Charles D FahringerVP/director-$470$470
Dennis P LevanDirector-$420$420
Julia D GusickDirector/agent-$420$420
Lane I WeaverDirector-$420$420
Randall N FettermanDirector-$420$420
Rodger RhodesDirector-$420$420
David R AdamsDirector-$360$360
Edwin S HoffmanDirector-$360$360
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$99,460
Investment Income
$80,757
Other Revenue
$0
Change in Net Assets
$37,068
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$95,067
Salaries, Compensation, and Employee Benefits$28,708
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$20,374
Benefits to Members---$19,374
Fees for Services Accounting---$8,504
Payroll Taxes---$4,131
Current Officers, Directors, Trustees, and Key Employees---$4,080
Advertising---$2,127
Insurance---$662
All Other Expenses---$245
Other Expenses---$239
Other Employee Benefits---$123
Total Functional Expenses$0$0$0$143,149
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Expenses$6,090
Taxes, Licenses & Fees$1,320
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The policyholders have the right to elect the governing body of the organization.”

Form 990, Part VI, Section B, Line 11B

“A copy of the 990 is distributed to the board of directors for their review.”

Form 990, Part VI, Section B, Line 12C

“At the organization's annual reorganizational meeting, all directors and officers review and update our written conflict of interest policy and resolve any potential conflicts noted.”

Form 990, Part VI, Section B, Line 15A

“The organization contacts neighboring mutual insurance companies and obtains information from them to make informed decisions with regard to payroll and ensure it is in line with other similar companies.”

Form 990, Part VI, Section C, Line 19

“All documents are available at the office of the company's address with hannah r mitchell.”

Filing and Contact Details

Filer

Filer Name
Locust Mutual Fire Insurance Company
EIN
24-0866658
Phone
5703177503
Address
PO BOX 123, NUMIDIA, PA 17858

Signing Officer

Name
Hannah R Mitchell
Title
Secretary/agent
Signed
2025-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kenneth H Rarig
Formed
1879
Legal Domicile
Pa
Voting Board Members
10
Independent Board Members
10
Employees
5

Preparer

Firm
Kile & Company
Address
812D CENTRAL RD, BLOOMSBURG, PA 17815
Preparer
William E Kile CPA
Phone
5707844350
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MissionDesc0THE ORGANIZATION PROVIDES FIRE AND LIGHTNING INSURANCE COVERAGE TO APPROXIMATELY 400 INSUREDS AND PROVIDES EXTENDED INSURANCE COVERAGE TO APPROXIMATELY 200 INSUREDS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01262183
IRS990/NetAssetsOrFundBalancesEOYAmt01313600
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0104
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0104
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
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IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05474
IRS990/OtherAssetsTotalGrp/EOYAmt011931
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0123
IRS990/OtherExpensesGrp/Desc0REINSURANCE PREMIUMS CEDED
IRS990/OtherExpensesGrp/Desc1TAXES, LICENSES & FEES
IRS990/OtherExpensesGrp/Desc2BOARDS, BUREAUS & ASSOCIATIONS
IRS990/OtherExpensesGrp/Desc3Printing and Publications
IRS990/OtherExpensesGrp/TotalAmt062347
IRS990/OtherExpensesGrp/TotalAmt111983
IRS990/OtherExpensesGrp/TotalAmt28960
IRS990/OtherExpensesGrp/TotalAmt3239
IRS990/OtherLiabilitiesGrp/BOYAmt07171
IRS990/OtherLiabilitiesGrp/EOYAmt07410
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt020374
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt04131
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0KENNETH H RARIG
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0524126
IRS990/ProgramServiceRevenueGrp/Desc0INSURANCE POLICY FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt099460
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt099460
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt03812
IRS990/PYInvestmentIncomeAmt068273
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt089741
IRS990/PYProgramServiceRevenueAmt0102064
IRS990/PYRevenuesLessExpensesAmt044141
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01313600
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06090
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11320
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1TAXES, LICENSES & FEES
IRS990ScheduleD/TotalLiabilityAmt07410
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE POLICYHOLDERS HAVE THE RIGHT TO ELECT THE GOVERNING BODY OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE 990 IS DISTRIBUTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT THE ORGANIZATION'S ANNUAL REORGANIZATIONAL MEETING, ALL DIRECTORS AND OFFICERS REVIEW AND UPDATE OUR WRITTEN CONFLICT OF INTEREST POLICY AND RESOLVE ANY POTENTIAL CONFLICTS NOTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION CONTACTS NEIGHBORING MUTUAL INSURANCE COMPANIES AND OBTAINS INFORMATION FROM THEM TO MAKE INFORMED DECISIONS WITH REGARD TO PAYROLL AND ENSURE IT IS IN LINE WITH OTHER SIMILAR COMPANIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DOCUMENTS ARE AVAILABLE AT THE OFFICE OF THE COMPANY'S ADDRESS WITH HANNAH R MITCHELL.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01269354
IRS990/TotalAssetsEOYAmt01321010
IRS990/TotalAssetsGrp/BOYAmt01269354
IRS990/TotalAssetsGrp/EOYAmt01321010
IRS990/TotalCompGreaterThan150KInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0143149
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07171
IRS990/TotalLiabilitiesEOYAmt07410
IRS990/TotalLiabilitiesGrp/BOYAmt07171
IRS990/TotalLiabilitiesGrp/EOYAmt07410
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01262183
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01313600
IRS990/TotalProgramServiceRevenueAmt099460
IRS990/TotalReportableCompFromOrgAmt012600
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0180217
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0180217
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01269354
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01321010
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01238 OLD READING ROAD
IRS990/USAddress/CityNm0CATAWISSA
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017820
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HANNAH R MITCHELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY/AGENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LOCUST MUTUAL FIRE INSURANCE COMPANY
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CO HANNAH R MITCHELL
ReturnHeader/Filer/BusinessNameControlTxt0LOCU
ReturnHeader/Filer/EIN0240866658
ReturnHeader/Filer/PhoneNum05703177503
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 123
ReturnHeader/Filer/USAddress/CityNm0NUMIDIA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd017858
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0475042657
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KILE & COMPANY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0812D CENTRAL RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BLOOMSBURG
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd017815
ReturnHeader/PreparerPersonGrp/PhoneNum05707844350
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0WILLIAM E KILE CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-23T06:28:04-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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